Insure Today, Preserve Tomorrow
OneDegree Home Insurance
OneDegree Home Insurance offers up to HK$1.2 million in coverage¹, plus optional solar photovoltaic system coverage. Act now for green living!
Get Up to HK$1.2M Home Contents Protection¹ - Water Damage Included
Extreme weather can strike anytime, causing water damage that leads to costly household content losses. Stay protected with coverage up to HK$1.2 million¹ because peace of mind shouldn't be left to chance.
Get Up to HK$15M Third-Party Liability Protection¹
For under HK$100² per month, get up to HK$15 million in third-party liability coverage¹. If a home accident causes bodily injury or property damage to others, we’ll cover the compensation to help ease your financial burden.
Optional Home Appliance Warranty - One Premium Covers 14 Appliance Types
Coverage for 14 major appliances including air conditioners, washing machines, water heaters, and dehumidifiers³. Appliances provided by the developer with the new property are also covered. Choose repair over replacement.
Optional Solar System Coverage - Embrace Sustainable Living Protected
Our optional building structure and solar photovoltaic system coverage protect up to HK$2 million against accidental damage, giving you peace of mind as you embrace renewable energy at home.
Save Energy, Protect the Environment, and Enjoy Renewal Discounts
At renewal, simply upload your household electricity bill showing either a 10% reduction in annual consumption versus last year OR daily usage under 8 units to unlock an extra 5% premium discount⁴.
Equal coverage for every home type
Village houses and detached houses get the same protection and pricing as everyone else. No extra fees, no additional approval process - just fair insurance for all.
Insure Today, Preserve Tomorrow
OneDegree Home Insurance
OneDegree Home Insurance offers up to HK$1.2 million in coverage¹, plus optional solar photovoltaic system coverage. Act now for green living!
Enroll now to enjoy 30% off your first year's premium by 30 Sep 2025! Please refer to the T&Cs at the bottom of the page.
- Uninsurable risk such as scratching, corrosion, wear and tear
- Items which are insured under a separate policy (Malicious damage or vandalism by a person residing in the insured premises)
- Malicious damage or vandalism by a person residing in the insured premises;
- Contact lenses, mobile/portable phone, laptop, computer
- The insured premises unoccupied for more than 30 days
Do You Need Home Insurance?
Whether you are an owner-occupier, landlord, or tenant, home insurance is essential to help you handle unexpected property losses and legal claims.
Covers replacement costs for floors and walls damaged by water, fire, or accidents, up to HK$100,000¹.
Covers replacement costs for glass windows damaged by natural disasters or accidents, up to HK$6,000¹.
Protects outdoor items like furniture and tools from natural disasters or theft, up to HK$50,000¹.
Covers accidental damage to building structures and solar PV systems, up to HK$2,000,000.
Compensates landlords for unpaid rent (up to 6 months and HK$20,000/month) and intentional tenant damage to contents (up to HK$200,000).
Covers temporary housing costs if your home is uninhabitable due to accidental damage, up to HK$100,000¹.
OneDegree Home Insurance Prestige Plan | Company Z Home Insurance Plan | Company B Home Insurance Plan | |
|---|---|---|---|
Household Contents Coverage | HK$1.2M¹ regardless of flat size | Coverage based on flat size: Gross floor area ≤700 sq ft: HK$0.75M Gross floor area ≥1,501 sq ft: HK$1.25M | Coverage based on flat size: Gross floor area ≤500 sq ft: HK$0.5M Gross floor area ≥851 sq ft: HK$1M |
Third-Party Liability Coverage | HK$15M¹ | HK$10M | HK$5M |
Appliance Warranty Coverage | Optional coverage for 14 types of appliances Annual coverage: HK$40,000 Unlimited repair claims³ | Covers accidental loss, destruction, or damage to Electronic Communication Products, laptops, and tablet computers only Annual coverage: HK$2,500 or HK$5,000 Maximum 2 claims per year | ✗ |
Optional Building Structure and Solar Photovoltaic System Coverage | Maximum sum insured: HK$2M Flat premium rate: 0.042% of sum insured | Sum insured based on rebuilding cost Premium based on flat size | ✗ |
Energy Saving Renewal Discount | 5% premium discount for: 10% reduction in electricity consumption vs. previous year OR daily usage <8 kWh⁴ | Renewal premium discount for year-on-year electricity savings Discount details not specified | ✗ |
Temporary Accommodation⁵ | HK$100,000¹ | ✗ | HK$50,000 Daily limit: HK$1,500 |
Optional Landlord Protection Coverage | Loss of Rent Coverage (Maximum 6 months): HK$20,000 per month Malicious Damage by Tenant: Up to HK$200,000 per item | Requires separate Landlord Insurance Plan | ✗ |
Optional Building Structure Coverage | Flexible sum insured options: HK$500K/HK$1M/HK$1.5M/HK$2M Flat premium rate: 0.042% of sum insured | No flexibility in sum insured Fixed sum insured based on rebuilding cost Premium based on flat size | Sum insured selectable: HK$470K to HK$10M Flat premium rate: 0.085% of sum insured |
Village House and Detached House Coverage | ✓ No extra fees or approval process Online direct application available | ✓ | ✓ Requires broker arrangement |
Claims Service Guarantee | 5-day claims processing guarantee | ✗ | ✗ |
Property/Home Appliances Warranty Insurance Claim Form: Download
Note
Terms and Conditions
- This promotion is valid from now until 30 Sep 2025 ("Promotion Period").
- OneDegree’s system will automatically apply the 30% premium discount on Home Insurance (“Offer”) to applicable plans and payment mode and display it on the website.
- The discounted premium will be rounded to the nearest whole number during quotation for display purposes. The actual premium payable will be shown at checkout and shall be the final amount.
- Only the applicants who do not currently hold any effective Home Insurance and have not held any effective Home Insurance policy(ies) in the past 3 months from the date of application of the Home Insurance are eligible for this promotion.
- The Offer is only applicable to premium for the first year of a policy.
- For details of coverage, terms, conditions, and exclusions of Home Insurance, please refer to the policy wordings.
- OneDegree may terminate this promotion without notice. All matters or disputes in relation to the promotion and the interpretation of terms and conditions shall be subject to the decision of OneDegree, which shall be final and binding.
- In case of any discrepancy between the English and Chinese versions, the English version shall prevail.
